{"id":221,"date":"2014-09-05T17:18:40","date_gmt":"2014-09-05T07:18:40","guid":{"rendered":"http:\/\/janineprince.com\/?p=221"},"modified":"2014-09-05T17:18:40","modified_gmt":"2014-09-05T07:18:40","slug":"financial-balance","status":"publish","type":"post","link":"https:\/\/janineprince.com\/home\/financial-balance\/","title":{"rendered":"Financial balance"},"content":{"rendered":"

\"Two<\/a><\/p>\n

Maybe you don\u2019t see the debt you have as a problem\u00a0<\/a> that needs fixing. After all, it is pretty normal to have some and probably you\u2019ve reached an agreement with yourself about what\u2019s ok to live with. The suggestion to live within your means<\/a>\u00a0is patronising and overly simplistic. I get that. Maybe you really are happy with constantly feeling the compulsion to get new stuff<\/a>\u00a0and shoving the old stuff to the back of the closet. Maybe you think that if you need to, you could take a load of barely used clothes and accessories to a store and get some cash back by selling them. Good luck to you.<\/p>\n

If you haven\u2019t tried to sell your stuff, especially if you think you could, and have even found yourself referring to it as \u201ca type of asset\u201d then I suggest you try. See what you can get for a hardcover book that you bought new for $45 just a year ago. See what your designer jacket is worth on the second hand clothing market. Take just one of those unused sporting items down to the pawnshop and see what they\u2019ll offer you. I challenge you to swallow your pride and accept whatever you\u2019re offered, if they\u2019ll take it at all. Now ponder how much it cost to fill all those busting cupboards. If you\u2019re using that stuff, fantastic, we\u2019re talking about what is essentially clutter. You don\u2019t use it, maybe you don\u2019t even remember buying it. The point is, you\u2019re still paying for it, and you\u2019re paying to keep it.<\/p>\n

You just don\u2019t know what the future is going to bring. I know you\u2019re likely to feel positive about it, to be optimistic that probably whatever\u2019s coming is good news. I hope so. What if it\u2019s not? Sure, most of the time nothing much changes. Every now and then something big happens to one of us personally, or to a friend. When it comes down, everyone involved goes right into reaction mode. When it happens, it all seems to happen fast. The rest of your life gets put on hold and you deal with it. Emotionally it can be hard to keep it together. Financially it can be a tsunami of bills and expenses and you need to be able to move through all of that and keep it together to go to work, or look after someone, or call in the attack lawyers or translate from the medical specialists. Whatever the flavour of the situation what you do not need is to be green with worry about where the money will come from.<\/p>\n

That\u2019s an extreme example. Personal catastrophes are not common, but they do happen and a financial cushion of some kind can really help. In our interconnected global economy, there are many ways in which a twitchy butterfly somewhere you\u2019ve never heard of can result a few weeks later in difficulties or hardship for you and the ones you love. If you have debt, you\u2019ll find it harder to respond and recover from anything that blindsides you.<\/p>\n

Of course it is hard to jump from debt to not debt. It is very much worth doing, although it is a challenging project in itself because you have to learn to balance two moving targets in an unpredictable environment. Like a dog standing on a ball and balancing another ball on your nose, you are going to need some specialist training and some good motivational treats.<\/p>\n

Before you\u2019re ready to perform you might be best placed to face up to the quirks and habits that got you where you are today. For all the rationalising about it, mostly why you\u2019re in debt is likely to be due to some unconscious behaviours (I\u2019m not talking about people looking up and aspiring to the poverty line, or in hardship due to extreme or ongoing, systemic poverty. If this is you, please contact a reputable charity and get some help and support in dealing with your situation. I\u2019m talking to everyone else except probably Lady Gaga, Gina Rinehart and Rupert Murdoch).<\/p>\n

You can\u2019t see for yourself the patterns you\u2019re in, or you\u2019d change them. Who knows you well enough to tell you the truth without making a big deal about it (or it just being massively awkward)? Your subconscious is your best friend here. It really knows what\u2019s going on when you don\u2019t remember why you had to buy another pair of shoes almost identical to a pair you\u2019ve never worn, or spend your week\u2019s wage on a night out. I\u2019m not normally someone who promotes a binary world view, but in this instance, it works well for the predicament we\u2019re faced with. Income and expenditure, they need to be balanced in your life.<\/p>\n

Think about it. You know about budgets, compound interest, and all those things, but you still do it. You\u2019ve been cranky at yourself and sworn you\u2019ll change, and you haven\u2019t. You need to break the cycle. Imagine you had the information to stop your self-sabotage. You need to clear away some of the shadows you have around money so you can use your energy to gain balance and take control over your situation. Dance in balance with the available resources and your perceived needs<\/p>\n

(Woo Woo Warning)<\/p>\n

I use a very simple tool to ask my subconscious things that I feel ready to know (and you should really be ready because it never lies. It doesn\u2019t tell even little white lies.) Your subconscious is always delighted to be invited to start a conversation with you, but it is not tame. You may not like what it says and some things it throws at you will be confronting.<\/p>\n

There are lots of tools, but I like tarot cards because they represent archetypes I understand. There are 20 major life moments in pictures and 4 lots of simple, everyday experiences grouped by the themes of emotion, willpower, money and thoughts.<\/strong> That is the most simplified and basic description I could come up with in 25 words or less. It leaves a fair bit out as you might expect, but it is enough for what we\u2019re want to achieve at the moment.<\/p>\n

Well I\u2019ve made a tarot spread, especially designed for this topic and it is available on my freebies page<\/a>.
\nI haven\u2019t had time to do a sample reading to illustrate this layout, so if you don\u2019t have your own cards and you are keen to find out if this is helpful, I have a special offer<\/strong>. Let me know either in the comments or by email that you want a free reading and I will do a one for you (this offer is for the first three people who respond or until Monday 8th<\/sup> September 2014 whichever comes first) on the proviso that if I change any identifying details I may use your reading as an example. I will need you to tell me about your situation in order to do this, so please don\u2019t ask if you\u2019re all like \u201cyou\u2019re the psychic, you tell me\u201d because I am not a psychic, that\u2019s not the kind of exercise we\u2019re in here.<\/p>\n

So, Income and expenditure. Face into the sun and the shadow falls behind you.<\/p>\n

(Image \u00a9 Erin Morgenstern from the unpublished Phantomwise Tarot)<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Maybe you don\u2019t see the debt you have as a problem\u00a0 that needs fixing. After all, it is pretty normal to have some and probably you\u2019ve reached an agreement with yourself about what\u2019s ok to live with. The suggestion to live within your means\u00a0is patronising and overly simplistic. I get that. Maybe you really are […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[7,31,4],"tags":[50,36,45,47,38,46,49,9,33,44,177,39],"class_list":["post-221","post","type-post","status-publish","format-standard","hentry","category-not-writing","category-tarot","category-thinking","tag-balance","tag-choice","tag-consumption","tag-debt","tag-freedom","tag-less","tag-pentacles","tag-simplify","tag-spread","tag-stuff","tag-tarot","tag-wealth"],"yoast_head":"\nFinancial balance - Janine Prince<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/janineprince.com\/home\/financial-balance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financial balance - Janine Prince\" \/>\n<meta property=\"og:description\" content=\"Maybe you don\u2019t see the debt you have as a problem\u00a0 that needs fixing. 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